Progressive Corp (PGR)vsExxon Mobil Corp (XOM)
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
XOM
Exxon Mobil Corp
$163.26
-1.28%
ENERGY · Cap: $665.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Exxon Mobil Corp generates 270% more annual revenue ($323.90B vs $87.64B). PGR leads profitability with a 12.9% profit margin vs 8.9%. XOM appears more attractively valued with a PEG of 2.02. PGR earns a higher WallStSmart Score of 67/100 (B-).
PGR
Strong Buy67
out of 100
Grade: B-
XOM
Hold44
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+76.9%
Fair Value
$900.43
Current Price
$202.84
$697.59 discount
Margin of Safety
-262.4%
Fair Value
$45.63
Current Price
$163.26
$117.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Earnings expanding 25.2% YoY
Generating 3.0B in free cash flow
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Reasonable price relative to book value
Generating 5.2B in free cash flow
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Weak financial health signals
Revenue declined 1.3%
Earnings declined 11.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.
Bull Case : XOM
The strongest argument for XOM centers on Market Cap, Altman Z-Score, Debt/Equity.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
Bear Case : XOM
The primary concerns for XOM are PEG Ratio, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
XOM carries more volatility with a beta of 0.35 — expect wider price swings.
PGR is growing revenue faster at 12.2% — sustainability is the question.
XOM generates stronger free cash flow (5.2B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (67/100 vs 44/100) and 12.2% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
Visit Website →Exxon Mobil Corp
ENERGY · OIL & GAS INTEGRATED · USA
Exxon Mobil Corporation, stylized as ExxonMobil, is an American multinational oil and gas corporation headquartered in Irving, Texas. It is the largest direct descendant of John D. Rockefeller's Standard Oil, and was formed on November 30, 1999 by the merger of Exxon (formerly the Standard Oil Company of New Jersey) and Mobil (formerly the Standard Oil Company of New York). ExxonMobil's primary brands are Exxon, Mobil, Esso, and ExxonMobil Chemical. ExxonMobil is incorporated in New Jersey.
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